Rizal Commercial BankingPHS:RCB +0.22%78 Debt-to-Equity is 0.93 as of Mar. 2026, which is 16% below its 10-year median of 1.11. GuruFocus rates PHS:RCB with a GF Score™ of 78/100 and a GF Value™ of ₱29.72 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,421 Banks companies, Rizal Commercial Banking ranks worse than 65.73% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Rizal Commercial Banking's Debt-to-Equity or its related term are showing as below:
PHS:RCB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.59 Med: 1.11 Max: 2.47
Current: 0.93
During the past 13 years, the highest Debt-to-Equity Ratio of Rizal Commercial Banking was 2.47. The lowest was 0.59. And the median was 1.11.
PHS:RCB's Debt-to-Equity is ranked worse than 65.73% of 1421
companies
in the Banks industry
Industry Median: 0.56
vs PHS:RCB: 0.93
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Rizal Commercial Banking Debt-to-Equity Related Terms
Rizal Commercial Banking Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Rizal Commercial Banking's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Rizal Commercial Banking Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Rizal Commercial Banking's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Rizal Commercial Banking's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Rizal Commercial Banking (PHS:RCB) has a Debt-to-Equity of 0.93 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Rizal Commercial Banking and its competitors. This is 16% below median its historical median of 1.11. Over the past decade, Rizal Commercial Banking's Debt-to-Equity has ranged from 0.59 to 2.47. According to the industry distribution chart, Rizal Commercial Banking ranks #934 out of 1421 companies in the Banks industry, placing it in the top 65.7%.
Is Rizal Commercial Banking's Debt-to-Equity too high?
Rizal Commercial Banking's current Debt-to-Equity of 0.93 is 16% below median its 10-year median of 1.11. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 2.47. The Banks industry median Debt-to-Equity is 0.56. Rizal Commercial Banking's value of 0.93 is 66.1% above this industry median. Based on the distribution chart, Rizal Commercial Banking ranks #934 out of 1421 companies in the Banks industry, which is below the industry midpoint. Overall, Rizal Commercial Banking has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Rizal Commercial Banking's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Rizal Commercial Banking ranks #934 out of 1421 companies for Debt-to-Equity. This places Rizal Commercial Banking in the lower half of its industry. The industry median Debt-to-Equity is 0.56. Rizal Commercial Banking's value of 0.93 is 66.1% above this benchmark. Historically, Rizal Commercial Banking's own Debt-to-Equity has ranged from 0.59 to 2.47 over the past decade. While the company's 10-year median is 1.11 vs. the industry median of 0.56, Rizal Commercial Banking has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Rizal Commercial Banking's current Debt-to-Equity of 0.93 is 66.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Rizal Commercial Banking and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rizal Commercial Banking's current Debt-to-Equity is 0.93, which is 16% below median its own 10-year median of 1.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rizal Commercial Banking stock overvalued right now?
Based on GuruFocus' analysis, Rizal Commercial Banking (PHS:RCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱29.72, compared to a current price of ₱23.10 — trading 22.3% below its estimated fair value. The current Debt-to-Equity is 0.93, which is 16% below median its 10-year median of 1.11 and 66.1% above the Banks industry median of 0.56. Rizal Commercial Banking's overall GF Score™ is 78/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Rizal Commercial Banking (PHS:RCB), the current Debt-to-Equity is 0.93 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Rizal Commercial Banking (PHS:RCB) Overvalued in 2026?
Based on GuruFocus' analysis, Rizal Commercial Banking stock appears to be undervalued.
The current stock price of ₱23.10 is trading 22.3% below its estimated GF Value™ of ₱29.72.
GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.
Key valuation signals for PHS:RCB:
Debt-to-Equity: 0.93 (16% below median its 10-year median of 1.11)
GF Value™: ₱29.72 vs. price of ₱23.10 (22.3% below fair value)
Industry Position: 66.1% above the Banks median (#934 of 1421)
No single metric tells the full story. See the PHS:RCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Rizal Commercial Banking Corporation is a bank. The company provides banking and financial products and services to its customers in the Philippines but also in Asia, Europe, and the United States. The bank operates in the below segments: Retail, Corporate, Small and Medium enterprises, Treasury, and Others. Of these segments, the contributor to revenue is the retail banking function, followed by corporate banking. Services provided to clients include checking and savings accounts, deposits, credit cards, consumer and commercial loans, money market and trading services, investment banking, foreign exchange, wealth management, economic and investment research, syndicated loans, and wholesale lending.
78GF Score
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